Got my insurance bill the other day and it rather ticked me off. I carry full coverage, medical, towing, and all the good stuff. The one I resent is the premium I pay for "Uninsured Motorist". Excuse me. What did I miss here? Isn't there a law on the books that says I have to have car insurance to drive in Colorado? I have to show my proof of insurance when I get a tag for my vehicle. Was this a special law that was written for me alone?
So I think the way this works is if I crash into someone,you can rest assured it will not be my fault because I am the most defensive driver in the whole world. So if this happened in a perfect world my insurance would pay for his car and his would pay for mine, sort of a way to say, "Hey guys, accidents happen." So if he did not have insurance, it would be fair if my insurance paid for my car. This is in a perfect world.
But here I am with insurance on my car for me and an "Uninsured Motorist". So I am assuming that the "Uninsured Motorist" premium I pay will kick in and pay to fix my car. So, does my insurance now pay to fix his car? I certainly hope not. So if it does not, and it sure as hell better not, what does my insurance do? Is this "Uninsured Motorist" something I pay just as a way of hedging a bet that I am the only one on the road out there with insurance?
Now, I had to have proof of insurance to get my tag. So how did he get his? The state keeps better records than that. If I forget to take my card when I renew my tag and I quite by accident get a kind clerk at the tag place, they will look on the computer and see that my insurance is indeed paid. So can't they know when Joe Blow let his policy lapse and declare his tag illegal?
You know, they talk about inequality in taxes and all especially during the election, but is this fair? I understand that I need insurance, but why do I need to buy insurance against the person who does not obey the law? And if he should get a ticket for no insurance, who gets the money? I paid the premium, but the judical system gets the money! Fair play? I think not.
Make a Romantic Dinner for Two with 5-Star Kitchenware at CHEFS + FREE Shipping on $25So I think the way this works is if I crash into someone,you can rest assured it will not be my fault because I am the most defensive driver in the whole world. So if this happened in a perfect world my insurance would pay for his car and his would pay for mine, sort of a way to say, "Hey guys, accidents happen." So if he did not have insurance, it would be fair if my insurance paid for my car. This is in a perfect world.
But here I am with insurance on my car for me and an "Uninsured Motorist". So I am assuming that the "Uninsured Motorist" premium I pay will kick in and pay to fix my car. So, does my insurance now pay to fix his car? I certainly hope not. So if it does not, and it sure as hell better not, what does my insurance do? Is this "Uninsured Motorist" something I pay just as a way of hedging a bet that I am the only one on the road out there with insurance?
Now, I had to have proof of insurance to get my tag. So how did he get his? The state keeps better records than that. If I forget to take my card when I renew my tag and I quite by accident get a kind clerk at the tag place, they will look on the computer and see that my insurance is indeed paid. So can't they know when Joe Blow let his policy lapse and declare his tag illegal?
You know, they talk about inequality in taxes and all especially during the election, but is this fair? I understand that I need insurance, but why do I need to buy insurance against the person who does not obey the law? And if he should get a ticket for no insurance, who gets the money? I paid the premium, but the judical system gets the money! Fair play? I think not.
1 comment:
have i told you lately that Life isnt fair. We all are like a bunch of robots in this world, Obey.sit stay wait here. like puppets on a string,
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